# NetBenefits vs Optum Financial

The clearest difference is chart position: NetBenefits at #48 against Optum Financial's unranked. Optum Financial's advantage is review sentiment (55% vs 44%). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.6 for NetBenefits against 4.7 for Optum Financial. Both are backed by a comparable volume of ratings — 29K and 29K respectively. Written reviews are what separate them: 44% of NetBenefits's written reviews are positive against 55% of Optum Financial's.

NetBenefits ships an update every 3 weeks, Optum Financial every 5 weeks. Both last shipped on September 24, 2026.

## The numbers

| Metric | NetBenefits | Optum Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (29K ratings)](https://appshunter.io/ios/app/netbenefits/id640179084/reviews) | **[4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews)** |
| Number of ratings | **29K** | 29K |
| Positive reviews | 44.5% of reviews | **55.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Best chart rank | **#48** | — |
| Size | 289 MB | 24 MB |
| Requires iOS | 17.0 | **16.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Fidelity Investments](https://appshunter.io/developer/348177456) | [Optum Inc.](https://appshunter.io/developer/1133706680) |

## What reviewers say

### NetBenefits

[App page](https://appshunter.io/ios/app/netbenefits/id640179084)

**Currently charting:** #48 Top Free · Finance (US App Store)

Manage your Fidelity workplace benefits, including retirement savings, stock options, health insurance, and HSAs. Track account balances, investments, and expenses. Plan for your future with personalized tools and educational resources.

**Highlights:** Manage retirement savings, Access stock options, View health insurance details, Track HSA expenses, Personalize financial planning, Change contributions and investments, Access educational resources

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile access
- 🔒 Secure document upload
- 💡 Helpful retirement planning tools

**What reviewers complain about**

- 🐛 Buggy and glitchy
- 🕸️ Feels like a mobile website, not a true app
- 🤔 Confusing navigation and user experience
- ⏱️ Slow performance and long load times

**Reported bugs**

- Face ID/Touch ID not working after updates
- Inability to enter check amounts for rollover
- Frequent crashes and system errors
- Inconsistent behavior across iOS versions

**Requested features**

- Improve mobile optimization and responsiveness
- Integrate all website features directly into the app
- Add more detailed account and investment tracking
- Streamline document upload and rollover processes


### Optum Financial

[App page](https://appshunter.io/ios/app/optum-financial/id1303691237)

Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.

**Highlights:** Manage benefit accounts, View balances and transaction history, Pay providers or reimburse yourself, View and manage claims, Capture and upload documentation, Live customer care via mobile chat

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile experience
- 💳 Ability to pay providers directly
- 📂 Straightforward claim submission
- 💰 Helpful for managing medical expenses

**What reviewers complain about**

- 🐛 Buggy document upload and submission
- 🤔 Lack of explanations for claim rejections
- 🕰️ Slow processing and response times
- 🔍 Unintuitive navigation and UI
- 🤖 Poor customer service and support

**Reported bugs**

- Blank screens and app crashes
- Inconsistent behavior with photo uploads
- Login and account access issues
- Incorrect or missing account balance information
- Inability to add new documentation to existing claims

**Requested features**

- Ability to save provider information
- Option to submit multiple claims at once
- Automatic reimbursement based on insurance EOBs
- Clearer communication on claim status and issues
- Improved search and filtering for transactions


## Frequently asked questions

### Is NetBenefits free?

NetBenefits is free to download, with no in-app purchases.

### Is Optum Financial free?

Optum Financial is free to download, with no in-app purchases.

### Which has better reviews, NetBenefits or Optum Financial?

Optum Financial is rated higher. NetBenefits averages 4.6 out of 5 from 29K ratings, while Optum Financial averages 4.7 from 29K ratings.

### Do NetBenefits or Optum Financial have ads?

Neither NetBenefits nor Optum Financial shows ads.

### Which is updated more often, NetBenefits or Optum Financial?

NetBenefits ships an update every 3 weeks, and Optum Financial every 5 weeks. Most recently, NetBenefits was updated on September 24, 2026 and Optum Financial on September 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*